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Locate all your life insurance policies and look at who is named beneficiary.  Chances are it’s your spouse or other family members, but if a beneficiary isn’t named, the proceeds will pass to your estate.  There are several reasons why you might not want that to happen:

  • The proceeds could be subject to federal or state estate taxes;

  • Creditors of your estate would have access to the funds;

  • Probate fees could be increased;

  • There could be a delay in distributing the proceeds until the administration of your estate is complete.

Make sure you’ve named a beneficiary for the insurance proceeds.  Keep in mind that you can name charity as a primary or contingent beneficiary in the event that a named beneficiary is no longer alive.



St. Bonaventure Indian School is a private, Catholic school located at the southeastern edge of the Navajo Nation in Thoreau, NM. The school is one of the ministries of St. Bonaventure Indian Mission which serves the Diné of the area.

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25 Navarre Blvd W , Thoreau, NM 87323